So, I've been happily FIREing away for some years now, drawing between $24,000 and $36,000 annually and enjoying life. Not feeling constrained in the slightest, and able to take on long-term projects that are more personally satisfying than professionally lucrative. All good.
However, as part of a divorce settlement (thankfully, amicable), I've been awarded half of my ex-wife's corporate retirement accounts, including a pension and a 401k. I'm not of retirement age, but because these asserts were divided according to a QDRO court order, they're immediately accessible; I don't have to wait until I'm 59 and a half.
I need to be intelligent about transferring and managing these assets, and it's feeling outside of my DIY skill set. A large bloc of the 401k stock is in a company I don't feel comfortable holding, so I'd want to divest even if I have no short-term spending needs. The portfolio has tranches of stock with varying cost basis, so tax optimization should probably be part of the picture. Additionally, I'd prefer not to disqualify myself from my ACA health insurance, which my low income keeps at an affordable level.
Plus there's the pension, which unlike the 401k won't continue to grow if I let it ride. I need to elect a distribution, either for a lump sum or an annuity (lump sum. right?), and plugged into the overall picture.
In sum, a lot of moving parts. Time to consult a professional.
Can anyone recommend a FIRE-friendly consultant who'll help me tackle this, for an hourly fee? Preferably someone in the San Francisco Bay Area, although this can probably also be done remotely if someone elsewhere is the right fit. I don't want to sit through hours of a standard-issue "advisor" trying to sell me on their in-house financial products, and I don't need to have my frugality and lifestyle choices questioned. I want to assimilate these resources into what's already working for me, and proceed full steam ahead.
Your recommendations, here or in DMs, would be most welcome. Thanks.
